# COMMUNITY ALLIANCE
Livonia, MI · NCUA charter 61184 · asset band $100-200M · latest filing 2022-12 · stopped filing after 2022-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/community-alliance-61184

Who the members are: state charter, organized 1966. 7,025 members of 50,000 potential (14.1% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 226.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $100.3M |
| Members | 7,025 (-8.8% YoY) |
| Full-time staff | 23 |
| Net worth | $4.9M |
| Net worth ratio | 4.9% (p0 of band) |
| ROA (annualized) | -4.25% (p0 of band) |
| Total delinquency | 0.25% (p29 of band) |
| Net charge-offs (annualized) | 0.35% (p82 of band) |
| Loans / shares | 93% (p90 of band) |
| Cash / assets | 6.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.74% (p94 of band) |
| Operating expense / assets | 5.45% (p97 of band) |
| Vehicles % of loans | 32% (p35 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 5% |
| Third-party paper % of net worth | 661% (p100 of band) |
| Vehicle delinquency | 0.21% (p29 of band) |
| Vehicle NCO | 0.49% (p83 of band) |
| Repossessed % of vehicle book | 0.00% (p33 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 24% |
| Commercial % of net worth | 97% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 14% |
| Average share balance | $6,662 |
| Participations bought / yr | $39.8M |
| Participations sold / yr | $75,000 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 226% |
| Loans granted per 100 members, annualized | 183% |
| Average loan balance | $5,533 |
| Loans granted, annualized | $66.5M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 7 | thin capital, expense trap, delinquency 2x band, repo signal, loans>95% of shares, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 7 | losing money, charge-offs p90 | delinquency 2x band, repo signal |
| 2016-09 | 8 | net worth falling |  |
| 2016-12 | 7 |  | net worth falling |
| 2017-03 | 4 |  | auto monoline, losing money, charge-offs p90 |
| 2017-06 | 6 | delinquency 2x band, repo signal |  |
| 2017-09 | 5 |  | repo signal |
| 2017-12 | 5 |  |  |
| 2018-03 | 9 | net worth falling, losing money, charge-offs p90, repo signal |  |
| 2018-06 | 7 |  | net worth falling, repo signal |
| 2018-09 | 8 | members leaving |  |
| 2018-12 | 11 | assets shrinking, loan book shrinking, leaning on borrowings |  |
| 2019-03 | 9 |  | loans>95% of shares, leaning on borrowings |
| 2019-06 | 8 | leaning on borrowings | delinquency 2x band, losing money |
| 2019-09 | 6 |  | thin capital, leaning on borrowings |
| 2019-12 | 6 |  |  |
| 2020-03 | 8 | margin squeeze, delinquency 2x band |  |
| 2020-06 | 10 | thin capital, net worth falling, losing money | assets shrinking |
| 2020-09 | 9 |  | delinquency 2x band |
| 2020-12 | 9 | delinquency 2x band | net worth falling |
| 2021-03 | 7 | repo signal | expense trap, losing money, delinquency 2x band |
| 2021-06 | 5 |  | charge-offs p90, repo signal |
| 2021-09 | 7 | expense trap, repo signal |  |
| 2021-12 | 6 |  | repo signal |
| 2022-03 | 5 | losing money | loan book shrinking, margin squeeze |
| 2022-06 | 6 | assets shrinking |  |
| 2022-09 | 5 |  | losing money |
| 2022-12 | 8 | capital below 7%, losing money |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2013-11-27 [Here's a Lottery You Cannot Lose - ABC News - Breaking News, Latest News and Videos](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQaEpUc1FKYjdYZTFMYU8xRW9RZlhYVE5zdmpVRjF1bFIyRGJDV3BQNm1VaXpfak9lcXU0R28yVVYyTTN0VnBIN05jWEYwYU1wQjY4b3M2T0pibGZfd2hQRGNhX053YTU5Uk1oM3hXQ3R1clFpMkRWREU1Z0VDbE5XdEJVRTljYjBFUDlj0gGQAUFVX3lxTFBiSjlmSkdFd1lXOVdhTkE1SUduUU1ZRW55SXBOWTV4REIxMHM4MEJEZEtYRnNrN0VHeURUTHhiQUVURmlta29JLU96RlM3d19wbUVmRjczLXVvcEYwTEpGdmt0d3pWV2NGMDRaUGwybzRneE14S0RNM1dyQlNiUUdFYmRmeEZoa2Y3YkxUT05nSA?oc=5) · ABC News - Breaking News, Latest News and Videos
- 2025-09-11 [Jill Henry Landing Obituary Sep 11, 2025 - Chapman Funeral Home | Swainsboro, GA](https://news.google.com/rss/articles/CBMibkFVX3lxTFBFSV9mN2pxSTZCODdxLWszMmNscHpUbzhMVktiRG9WWXRnZUhLT1RsZ0NxeU5OWE9Tdm8tZXR6MGlVbmhtQ1FwdWdTZVFZNnpzckxvOU90ZTV6d0FnRE9tMW1wZDFOSkYzVTN0QmhR?oc=5) · Chapman Funeral Home | Swainsboro, GA
- 2012-04-06 [Memorial Fund Set Up For Victim Of Livonia Double Murder - CBS News](https://news.google.com/rss/articles/CBMimgFBVV95cUxOdmdmTnptaUV3eVlPbmc4WjBGME1rT3F2ZGRjakF1M2lmeXB2ZEFDVHNTalJNR0RQNThKRUlMbk54c081YmJiNmNFbTJjaWpJZzdtMDhUNUJHbWdqNlhrODlEQUdpRlktR2dQQktMWVZnd016TVF1eHVKX0pLeUxraEFFeUZOcDhWZWVPaDBNX1lqWVJPLU1IQWVn?oc=5) · CBS News
- 2021-10-11 [WINFRED “FRED” FAILS Obituary (1935 - 2017) - Toledo, OH - The Blade - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNVVp5Z3RseVlzNUpkbGxzVzR0N1B3ZVl2V05jZmt0ZkJvVkZsS2JnWDJxeGFnLUk5b3V1UVA5MnJ5M1c3VFhyTS1tOWtFNGRXSzFXeWRfMFEzcVIzb3ltamFXakt2bThVa2FBeGkwNERIR0gyV3UtTjJZYVdINm1lbWxNbFJaVmF1bTVqRmZSZXRhUmpTZ2g2OA?oc=5) · legacy.com
- 2016-07-08 [That Perfect Summer Day When Kids Can Have Good, Clean Fun in the Mud - Patch](https://news.google.com/rss/articles/CBMimwFBVV95cUxOQ3psNUl3bXBDVmdsaHRDOXo0bURlN1kxd2tDY3g3eWZaSnVLYXFtaUN1VXVpUWJyek0xQ1pGcFBMVmN3R1puVnh6cGx0R0NtOHM5ZkJ2ckkyb0xKQVdZR2tIRGszQTMyazdBMFRWblJmRThLRXRhZDVzc1FhVnB6SXRpR214SmtwTnRPTWJpRklHeEFDQ2phSVVjNA?oc=5) · Patch
- 2015-06-24 [Dirty, Filthy Fun Coming Up in Wayne County - Patch](https://news.google.com/rss/articles/CBMiggFBVV95cUxNQ3pOeHU3MlRBM0NFelo1azZqbXM0YkNCY09LNDJ2SHVMR2pETzR2T0FucjNac2VqQlRqaW1XemZtVm03ZVZodnJWNmxtdXoxUGozWDM4VDVTRW1iQXFUTXY3VnRaTnh5MXh4QVZ2M2JEcGJwb25tWndaYVNnWnNab0tn?oc=5) · Patch
- 2013-07-09 [Wayne County Parks Hosts a Fun Day for Mud Play - Patch](https://news.google.com/rss/articles/CBMimwFBVV95cUxPWFpyQXBBMkVaYTNheklfaWw0by1qbEhycjJUalRvNW9nNDVfcWkwSGVEUjlzb195ZzcteldSQWdsTTQzd1hQU0g1S1dwNUNKUXlhT0Z2VGRzV1drcEItaGtXUGREYVl6b1c3LUx4cU1RdWdBZUNMX2g1MUFrdFhrSHg5OFo4a2x1ZnlmeEZlYUhJYUR2UDNmTnZWTQ?oc=5) · Patch
- 2012-12-14 [Martha Snow Appointed to 3rd Circuit Court by Gov. Rick Snyder - Patch](https://news.google.com/rss/articles/CBMiogFBVV95cUxOUmQ5Z0pwVFhmR1EtWFNCVUJ4c01CQUNxa194U1VaOVRuSnBJNFNOS295Sng0NWVQNVRucjZURFZQb1J0dHg4UEwyMkpTTGlFTDc2WC1ZenpHVGlDSEVOdWhWWVBtbjlVYTUtTE80cHAzMUdpNThiVzlpWnFwZWhwNzNIOU9sSGh4TFVLaGZmdUlhYkpCMGw3TXh3d3d0Q0RtMHc?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61184 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/0.json (key "61184", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=61184
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide